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Auto Loan Underwriter Jobs (NOW HIRING)

Addison Group

Indirect Underwriter

Austin, TX · On-site

$70K - $82K/yr

Experience evaluating and approving or declining consumer auto loans within established lending ... Strong credit analysis and underwriting skills. * Knowledge of consumer lending regulations and ...

OneMain Financial

Auto Loan Rep (Part-Time)

Tempe, AZ · On-site

At OneMain, our Auto Loan Representatives in the auto purchase department serve as the initial ... and Underwriting * Assist in collateral swaps and unwinding of purchase loans * Identify defects ...

OneMain Financial

Auto Loan Rep (Part-Time)

Tempe, AZ · On-site

At OneMain, our Auto Loan Representatives in the auto purchase department serve as the initial ... and Underwriting * Assist in collateral swaps and unwinding of purchase loans * Identify defects ...

JPMorgan Chase & Co.

Auto - Underwriter III

Houston, TX · On-site

As an Underwriter III in Auto Finance, you will play a crucial role in reviewing policy and pricing ... Comprehensive knowledge of indirect loan, refinance, direct and lease programs, bank products, and ...

Guild

Underwriter III

$90K/yr

... loans, along with endorsements including Direct, VA, Auto and SAR. * Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing. * Expert-level ...

Guild Mortgage

Underwriter III

... loans, along with endorsements including Direct, VA, Auto and SAR. * Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing. * Expert-level ...

Guild Mortgage Company

Underwriter III

Virginia, MN · On-site

$80 - $100/hr

... loans, along with endorsements including Direct, VA, Auto and SAR. * Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing. * Expert-level ...

Guild

Underwriter III

$36.14 - $54.21/hr

... loans, along with endorsements including Direct, VA, Auto and SAR. * Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing. * Expert-level ...

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Auto Loan Underwriter information

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How much do auto loan underwriter jobs pay per hour?

As of Sep 7, 2026, the average hourly pay for auto loan underwriter in the United States is $30.00, according to ZipRecruiter salary data. Most workers in this role earn between $25.00 and $33.17 per hour, depending on experience, location, and employer.

What does an auto loan underwriter do?

An auto loan underwriter analyzes a vehicle loan application and decides to approve or deny financing. In this career, your duties include collecting financial data from the person seeking a vehicle loan, either face-to-face or over the phone. Your responsibilities can also include negotiating with the customer about down payments, interest rates, and other issues. Occasionally, you help a customer find a loan that fits their needs and financial situation. You document your research and risk assessment findings and ensure that the lending process meets legal requirements.

What does an auto loan underwriter do?

An Auto Loan Underwriter evaluates loan applications for car purchases to determine if the applicant qualifies for financing. They review credit reports, income, employment history, and the value of the vehicle to assess risk and make approval decisions. The underwriter ensures that the loan terms meet both the lender's guidelines and regulatory requirements, helping to minimize default risk. Their work is crucial to balancing the needs of both borrowers and lenders in the auto finance process.

What are the key skills and qualifications needed to thrive as an auto loan underwriter?

To thrive as an Auto Loan Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of credit risk and lending guidelines, typically backed by experience in finance or a related field. Familiarity with loan origination systems, credit bureau reports, and underwriting software is essential. Exceptional decision-making, communication, and customer service skills help you explain decisions and collaborate with dealers or applicants. These abilities ensure accurate risk assessment, regulatory compliance, and a positive lending experience for all parties involved.

How does an auto loan underwriter typically collaborate with sales teams and loan processors during the approval process?

Auto Loan Underwriters work closely with both sales teams and loan processors to ensure a smooth and efficient loan approval process. They review and assess applications, often clarifying documentation or requesting additional information via the loan processors. Collaboration with sales teams is important to balance risk assessment with customer service, as underwriters may need to explain approval conditions or help find alternative solutions for borderline applicants. Effective communication and teamwork are key to meeting tight deadlines and maintaining a positive customer experience.

What is the difference between Auto Loan Underwriter vs Auto Loan Processor?

AspectAuto Loan UnderwriterAuto Loan Processor
Primary RoleAssess and approve loan applications based on risk analysisGather documents, verify information, and prepare loan files
Required CredentialsCredit analysis skills, knowledge of lending guidelinesAttention to detail, organizational skills
Work EnvironmentOffice-based, analytical settingOffice, customer service interactions
Industry UsageFinancial institutions, banks, credit unionsFinancial institutions, banks, credit unions

Auto Loan Underwriters focus on evaluating loan applications and making approval decisions, while Auto Loan Processors handle the documentation and preparation of loan files. Both roles are essential in the auto lending process and often work closely within the same environment.

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Auto Loan Underwriter jobs near you
Infographic showing various Auto Loan Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 22% Part Time, 3% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $62,410 per year, or $30 per hour.

Indirect Underwriter

Addison Group

Austin, TX • On-site

$70K - $82K/yr

Full-time

Medical, Dental, Vision, Retirement

Re-posted 5 days ago

Job description

Indirect Loan Officer
Position Summary
We are seeking an experienced Indirect Loan Officer to join a growing financial institution. This role is responsible for evaluating and approving indirect consumer loan applications, maintaining strong dealer relationships, and delivering exceptional service to members and business partners. The ideal candidate has a strong background in indirect auto lending, sound credit judgment, and the ability to make timely lending decisions while ensuring compliance with applicable regulations and internal policies.
Key Responsibilities
  • Review, analyze, and make credit decisions on indirect consumer loan applications within assigned lending authority.
  • Interview applicants, process loan applications, prepare loan documentation, and coordinate loan closings.
  • Build and maintain strong relationships with automotive, marine, and other indirect lending partners.
  • Communicate with dealers, members, and third parties regarding loan products, application status, and financing options.
  • Maintain loan production goals while monitoring portfolio quality and delinquency levels.
  • Cross-sell financial products and services by identifying member needs and recommending appropriate solutions.
  • Assist members with account-related questions and provide professional, high-quality customer service by phone and in person.
  • Process transactions accurately using loan origination systems, credit bureau platforms, and other lending technologies.
  • Assist with collections on assigned delinquent accounts.
  • Perform quality assurance reviews and support internal audits to ensure compliance with lending policies and procedures.
  • Train and mentor team members while promoting service excellence and regulatory compliance.
  • Collaborate with departments across the organization to support operational efficiency and member satisfaction.
  • Maintain accurate records while safeguarding confidential financial information.
  • Perform additional duties as assigned.

Qualifications
Required Experience
  • High school diploma or equivalent.
  • Minimum of 3 years of indirect auto lending experience.
  • Experience evaluating and approving or declining consumer auto loans within established lending authority.
  • Strong understanding of dealership lending practices and indirect financing.

Preferred Qualifications
  • Advanced knowledge of consumer lending, credit analysis, and loan underwriting.
  • Experience working in a financial institution or consumer lending environment.
  • Familiarity with loan origination systems and credit bureau platforms.

Knowledge & Skills
  • Strong credit analysis and underwriting skills.
  • Knowledge of consumer lending regulations and compliance requirements, including fair lending and consumer protection laws.
  • Excellent verbal and written communication skills.
  • Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.
  • High level of professionalism, integrity, and attention to detail.
  • Ability to build and maintain productive relationships with dealers, members, and internal teams.
  • Proficiency with Microsoft Office and lending software.

Additional Requirements
  • Ability to maintain confidentiality and exercise sound judgment.
  • Ability to work independently while contributing to a collaborative team environment.
  • Regular, reliable attendance.
  • Valid Texas driver's license and proof of current automobile insurance.

Location: Austin, TX (Hybrid)
Compensation: $70,000 - $82,000
Benefits: Medical, Dental, Vision and 401k Match

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